Personal Finance Manager


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Personal Finance Manager


Demo | More InformationRegister

Overdraft Privilege Program

What you need to know about ATM and everyday debit transactions and overdrafts on your account:

An overdraft occurs when you do not have enough money in your account to cover a transaction. We will pay it anyway. We can cover your overdrafts in two different ways:

  1. We have standard overdraft practices that come with your account.
  2. We also offer overdraft protection plans, such as a link to a savings account or a line of credit, which may be less expensive than our standard overdraft practices.

Standard Overdraft Practices

We authorize and pay the overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

UCU will not authorize and pay overdrafts for the following types of transactions unless you ask us to:

  • ATM transactions
  • Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

View our Discretionary Overdraft Privilege Policy.

Please visit our FAQ section for more information.

8 Reasons You’ll Appreciate Overdraft Privilege

  1. Added convenience
  2. A deposit you expected was delayed
  3. You have greater flexibility managing your money
  4. Unforeseen expenses drained your account balance
  5. Your chances of paying a merchant’s expensive returned-check charge are limited
  6. You made an honest mistake balancing your checkbook and now you’re short of funds
  7. You may avoid the embarrassment of a “bounced” check or a declined debit card transaction
  8. Other than our normal non-sufficient funds charges (set forth in our fee schedules), there’s no additional fee for this extra service